Re: worth the hard pull?

Repo-ed wrote:

Man it scares me when people buy homes with less than a 720 mid-score.

There are still people who never really needed a lot of credit before it came time to buy a house. It's possible to have sound financial management but not really build a good credit history along the way.

Re: worth the hard pull?

That's sort of our problem. Everything has always been in my hubby's name. He has a a 730. But i only had enough credit for EQ to even score me. I only had my auto loan and it only reported to the one bureau. But we need both our incomes to qualify for our.home. Its just out of the reach of my husbands income alone. Bit I agree with the scary part! I'm terrified.

Re: worth the hard pull?

leppy2 wrote:Well i do have two medical collections that are to be deleted from my report this week that were errors. Think that will do it?I was concerned about utilization so ive only spent 9%. I wasn't sure when the bill would come. I still haven't gotten a bill. But it was reported to credit bureaus on 12-12-12. My credit limit is 200. I charged 17 on it and that was reported. Is that ok and when should i pay it from now on?Thank you all for the advice.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.